Certificate Accounts

Grow your money with a SDCCU Certificate.

Open a certificate today with SDCCU, voted San Diego's BEST Credit Union 26 years in a row. SDCCU is a not-for-profit credit union wholly owned and operated by its members, with earnings being to returned to members in the form of higher dividends on deposits and more. Dividend rates, APYs and terms subject to change without notice.

Certificate Accounts

Enjoy a guaranteed rate of return with a SDCCU Certificate. We offer several share certificate options to choose from, including short-term, long-term and IRA Certificates.

Short-term Certificate: Earn a quick return on your investment, generally payable or reaching maturity in less than one year.

Short-term certificates are best for:

Saving for a short-term goal, like a vacation or a new car
Individuals who want to avoid early withdrawal penalties
Having flexibility if the financial climate or your situation changes

Long-term Certificate: Invest your money securely for longer than one year and receive a higher rate of return.

Minimum opening deposit: $2,000

Long-term certificates are best for:

Individuals who want a safe, secure place to keep their savings
Setting aside money you won't need for a year or more
Enjoying higher returns than a traditional savings account

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IRA Certificates

Depending on your needs and goals, a SDCCU Individual Retirement Account (IRA) certificate may be the right retirement investment option for you. An IRA Certificate is a hybrid investment that offers the stability of a certificate along with the tax advantages of an individual retirement account.

IRA Certificates may provide tax-deferred or tax-free savings and offer advantages for employed individuals regardless of income level. Consult your tax advisor.

Minimum opening deposit: $2,000

IRA Certificates are best for:

Saving money for retirement
Making additional deposits at any time
Enjoying flexible term lengths

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For more information, call (877) 732-2848.

Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. Learn more about NCUA Insurance.

APY=Annual Percentage Yield. All dividend rates and Annual Percentage Yields (APYs) published above for certificates are the anticipated rates and yields for the current period. APYs assume that dividends will remain in the account until maturity. A penalty will be imposed for early withdrawal. See your account disclosure for complete details. Dividend rates, APYs and terms subject to change without notice. These products and promotional certificates listed above are not available for chartered financial institutions or accounts. Fees could reduce earnings. Certificates must be funded within 7 calendar days. Any accounts not funded within that time will be automatically closed. Consult your tax advisor. Your funds at SDCCU are federally insured to at least $250,000 by the National Credit Union Administration (NCUA). IRA deposits are separately federally insured to at least $250,000 by the NCUA. For business savings rates, visit our Business Deposit Rates page.

Early Withdrawal Penalties – A penalty will apply for principal withdrawals of certificate made prior to maturity. If the account has an original term of one year or less, the penalty equals 90 days’ dividends. If the account has an original term of greater than one year, the penalty equals 180 days’ dividends. Penalties for early withdrawal may be applied against principal thereby reducing the principal balance. Penalty-free withdrawals are only allowed for required minimum distribution (RMD) of IRA certificate funds held at SDCCU, for members who have reached the mandatory distribution age, or as required by law. Refer to your plan disclosure and consult with a tax professional if this certificate is part of an IRA or other qualified plan for information regarding other tax consequences and other penalties that may apply.

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FAQS

Frequently Asked Questions

How do you open a certificate account?
If you are already a member of SDCCU, please log in to your Internet Branch online banking account to open your certificate. If you are not yet a member of SDCCU, you can open a certificate account in 3 easy steps!
1. Click the Open an Account button below
2. Select $1 savings account, enter your information, and submit the application
3. Transfer your funds:
  - Make a wire transfer: Simply provide your account number and the nine-digit routing number found on your check or deposit slip
  - Mail a check or money order to:
    San Diego County Credit Union
    Attn: Deposits, Payments, or Payoffs
    P.O. Box 269040
    San Diego, CA 92196-9040
OPEN AN ACCOUNT
What is a share certificate? Is it different from a Certificate of Deposit (CD)?

A share certificate is a type of savings account that pays a fixed interest rate within a specific amount of time (terms). Certificate terms can range anywhere from three to 60 months. The main difference between share certificates and Certificates of Deposit (CDs) are that share certificates are offered by credit unions which are not-for-profit, whereas CDs are offered at for-profit banks.
Are certificates insured?

Yes, certificates are federally insured by the National Credit Union Association (NCUA) up to $250,000. Learn more about your federally insured funds here.
Can you add funds to a certificate?

No, you are unable to add funds to an existing certificate during the term of the certificate.
Are withdrawals allowed?

Early withdrawal penalties apply if principal withdrawals of the certificate are made prior to certificate maturity.

WHAT PEOPLE ARE SAYING

“I have never been treated so nicely and felt as welcome to a financial institution as I have been at SDCCU. Now I know the difference it makes walking through the doors and being greeted and acknowledged as a guest and not a number. All the staff are so helpful and friendly. I will never go back to a regular bank!”

Bruce A.